The problem with locking every object in your home isn't that its an inherently bad thing, its that it introduces too much overhead to be worth the hassle. Now, if there were some touch ID enabled force-field that unlocked things only for you, within milliseconds and was highly reliable to work, that might change the dynamics a lot.
And that is what happens with crytographic security. There is very little overhead that modern systems impose on securing your systems so there is no reason for you to not enable them (setup may be hard, I acknowledge its a problem but its a one time cost to pay).
Taking the analogy further; if you had to repeat the authentication flow for every digital object it would still introduce a lot of hassle. So digital cryptography gets around this by instead requiring short lived tokens so the cost of enabling cryptography is amortized across all your digital assets. In our analogy; it would be that every object in our home is locked, but we use faceID to get a short lived key that is cached for e.g. 10 minutes. All locked objects check for the existence of that short lived key.